General information

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1. The two Smart Collection integration modes

The Smart Collection solution allows you to collect payments from various payment methods.

You can choose to:

Create and integrate your own payment flows (CUSTOM integration), by consuming the API services of each payment method:
Use our secure payment request flows (SMART integration), via our dedicated service:
- Payment requests (PaymentRequest) ➝
- The EscrowDate parameter can affect the funds availability date of a transaction (applies to AGENT partners only)

ℹ️ If you choose SMART integration, specific features such as R-transactions, bank descriptor management, Virtual IBAN management, etc., are presented in the documentation under the CUSTOM sections dedicated to each payment method.

2. About SMART integration

The payment request allows you to generate a payment link leading to a payment page hosted by CentralPay. Your customer can thus pay you according to the payment terms you have determined (authorized payment methods and modes, payment deadlines, etc.). Transactions created in this way are automatically linked to the payment request and allow its status to be updated (unpaid, partially paid, paid, etc.).

The payment request must be populated with the payment terms of your cart or invoice:

Amount to be paid
Accepted payment methods (card, transfer, direct debit, payment initiation)
Accepted payment modes (one-off, subscription, installment payment…)
Order reference
Order description
Customer details
Authorized payment deadline
Link expiration time
…

The payment link can be sent to your customers from:

Your sales funnels or web interfaces
Your communication tools (email, SMS, mail via QR code…)
The CentralPay email / SMS notification service

The payment page then allows the customer to carry out their transaction(s):

Viewing payment request information
Selection of payment method or mode
Entering customer data
Entering payment details